May 3, 2023

Your house has been your home for decades, sheltering a lifetime of experiences, but now you’re wondering if it’s time to let it go. The weight of this question can feel enormous.

You’ve invested in this house, financially and emotionally. Years of mortgage payments, maintenance and renovations. And all those memories: the kids, friends, events, and celebrations. Good times and bad, all within these walls. All under this roof. If this house could talk, wouldn’t you love to just sit and listen?

Selling the home that’s housed your life is not easy, so why make the move?

It might be time to ask yourself some questions:

Is the house still a good fit for me? How much time and money goes into the maintenance? Are the stairs becoming a pain – literally? Do I need all these rooms? How would I even move my stuff out of here? Is this still where I want to put my energy? Has the home I’ve loved become a burden to my life? Remember, at the end of the day, the house is just a house. What’s inside those walls is what’s important, and you’ll take what you love with you to your next home, a space that works so much better for your life now.

Now you’re seriously considering a sale. What’s next?

Talk to your family. Being on the same page with your kids or others of significance can make for a smoother and easier transition. They may know service providers who will help meet your needs, and they can help sort through the decades worth of stuff; deciding what to keep, what to gift and what to let go. Maybe they’ll finally clear out some of their own treasures, like those 30-year-old hockey sticks! They can help get the house ready to show and, ultimately, be there for you on moving day.

Next, talk to a local and reputable Realtor. A Realtor will be able to provide a market analysis of what your home should list for, and will help you work through all that noise out there that seems too good to be true (it nearly always is). A good Realtor will never rush you to make any decision, but will guide you to the decisions that are best for you. And don’t get overly attached to the highest-priced homes in your area; just because the house up the block sold for an impressive sum doesn’t mean yours will, too. Ultimately, your home will fetch its own best and highest price if it’s priced correctly to begin with, is in great shape, and gets the buyers excited.

How do you find the best Realtor for you? First and foremost, find a Realtor you can communicate with comfortably. Whether it’s via text, phone, email or in person, communication is paramount to a successful sale, and a good Realtor responds with relevant answers to your questions in a timely fashion – always. Think of your Realtor as your partner in this journey, knowing they do a lot more than just price your home. They are a valuable source of referrals for services that include cleaning, repairs, decluttering, staging, storage and the move itself. Sometimes they will coordinate and pay for professional photography or a home warranty. They’ll help you understand those all-important contracts. They’ll advise you on getting your house ready for showings, market your home for maximum exposure, and will work with you to understand how good an offer is – or isn’t. And once you’ve got a purchase agreement, they’ll monitor the players all the way through closing to make sure everyone is staying on task. A good Realtor always has YOUR best interests at heart.

OK, now you’ve found the right Realtor. How do you get your house top-dollar ready? There are three simple rules to follow (and maybe a fourth): declutter (and clean), depersonalize and accessorize. And if needed – repair.

This is the time to take a long, hard look through your spaces. Walk through your house with the buyer’s hat on. What looks charming to you might look messy to them, or be a distraction from features in the house you really want them to notice. And it may sound silly, but buyers want to look at homes that don’t look like they belong to someone else; the more “you” that’s in your home, the less the buyers can see of “them.” Think of those polished rooms in decorating magazines; most of the personal items have been taken out before the photographers come in so that you and I, looking at the pictures, can imagine ourselves in these spaces. This is the effect you want to give to buyers. So, how to go about this?

First, declutter. Try the “Three Box” approach. Get three boxes and label them: 1) Give Away/Donate, 2) Storage, and 3) Throw Away/Recycle. The first box is where you put items that are usable and need a new home. The second are the things you definitely want to keep or you can’t make your mind up about. The third are the damaged or no longer useful items. And once a box fills up – move it and put an empty one in its place.

Consider doing this one room at a time. Once you’ve decluttered that room, don’t put anything back in. Another great decluttering tactic is to designate a room or garage as a staging area to put things until you can decide which box they go in. That way you can get the rest of the house in prime condition for photos and showings.

Depersonalize. As noted above, this involves removing traces of you and your family – photos, trophies, kids projects, toiletries. The fact is, only 10% of buyers say they’re able to visualize themselves in a house during a showing. And this is of the utmost importance: if you’ve got firearms or medications, always remove them or lock them up, out of sight. Thieves have been known to cruise open houses specifically for these items.

Accessorize. Invest in some new waste baskets, towels, artwork, etc, in neutral tones, to give the house a fresh, contemporary look. Think of those magazine rooms. The more neutral and streamlined, the greater the appeal to the greatest number of people. And though this tip might belong under the fourth rule, consider your wall colors. Brightly colored – or dark and moody – walls might give just the right drama to your room, but it can stop a buyer from seeing it as theirs. Freshly painted walls in light, neutral tones go a long way toward making a space feel like someone else’s next chapter.

Finally, the (maybe) fourth rule: repair. If you’ve got those few things that are noticeably in need of repair, fix them. Here are a few to-do’s that provide maximum impact in making your home buyer ready:

• Clean the windows and light fixtures
• Install bright (max for the unit) light bulbs
• Leave your porch light on
• Get a new welcome mat – something fresh and cheerful
• Make sure your front door latch works properly and the door is free of nicks or scrapes
• Power-wash the sidewalks and driveway
• Keep the grass mowed and the edges trimmed
• Take down politically themed front lawn signs, no matter who or what it’s for or against

Now your house is ready, so let the showings begin, right? One final thought: the house may now be on the market, but the goal is to get it sold, and being an effective seller involves understanding a few facts:

• Harder houses to show get fewer showings. If buyers can’t see your house, you won’t get offers. Make the property available and respond promptly to requests.
• There will be “no-shows” and showings that run late, and these are usually because of scheduling complications. Often an agent is showing a buyer several properties and won’t be able to keep their tour on track. Hopefully they’ll call and alert you, but know that this can happen and build in a little extra time beyond the appointment time to stay away.
• And speaking of staying away – try never to be there during a showing. A seller’s presence can be very intimidating to prospective buyers, who will invariably feel like they’re intruding and most likely rush through the house, which means your house will fall off their radar. If you have to be home, confine yourself to one area, or outside.

There are many more things your Realtor is there to help you with during this important, life-changing time. Please contact me. I’m happy to meet with you, to answer your questions and get to know your needs. And in the meantime, watch for these future topics (and more!):

• Today’s real estate market
• An agent’s fiduciary duties to their clients and who represents whom
• Today’s real estate process, including offers, inspections, appraisals, loans, contingencies, title work and more
• Home warranties
• What to do when a party to a transaction isn’t competent to sign a contract (Hint: all signatories have to be competent for a real estate contract in MN to be legally binding)

Looking forward to connecting with you.

Rob Schanilec is a Realtor with Century 21 Atwood – Professional Pride Group out of Northfield. He’s been involved in the Northfield community for 25 years as a Realtor, business owner (By All Means Graphics), has served on local boards and commissions (currently on the Chamber of Commerce and Convention and Visitors Bureau boards) and in 2015 was named the Chamber’s Business Person of the Year. Few things give him greater satisfaction than helping out others. Do not hesitate to reach out to him with any Real Estate questions or to set up a time to meet. 507-301-1772 • rob.schanilec@c21atwood.com

 June 19, 2023

As individuals approach their golden years, many contemplate the possibility of downsizing their living arrangements and transitioning into a senior living community. Among the various options available, independent senior living communities have gained significant popularity. These communities offer an attractive balance between independence and support, allowing older adults to lead fulfilling lives while enjoying a range of amenities and services. However, like any lifestyle choice, independent senior living communities have both pros and cons. In this article, we explore the advantages and disadvantages to help seniors and their families make informed decisions.

Pros of Independent Senior Living Communities:

1. Maintenance-Free Living: One of the primary advantages of independent senior living communities is the freedom from home maintenance responsibilities. Seniors no longer have to worry about mowing lawns, shoveling snow, or repairing appliances. Maintenance staff takes care of these tasks, allowing residents to focus on their interests, hobbies, and personal well-being.
2. Vibrant Social Life: Independent senior living communities are designed to foster social connections and provide opportunities for engagement. Residents often have access to various community events, fitness classes, hobby groups, and outings, promoting an active and fulfilling lifestyle. The communal living environment encourages seniors to form new friendships, reducing feelings of loneliness and isolation.
3. Convenient Amenities and Services: These communities offer a wide range of amenities and services tailored to the needs and preferences of older adults. Common offerings include fitness centers, swimming pools, libraries, theaters, beauty salons, transportation services, and dining options. Such conveniences make daily life easier, promoting overall well-being and enhancing the quality of life.
4. Safety and Security: Independent senior living communities are designed with safety in mind. They often have security systems, secure entryways, and emergency response protocols in place to ensure residents’ well-being. Additionally, the presence of on-site staff and regular wellness checks provide peace of mind to both residents and their families.
5. Flexibility and Independence: One of the significant advantages of independent senior living communities is the flexibility they offer. Seniors can maintain their independence while having access to assistance if needed. The communities typically provide a range of supportive services, such as housekeeping, transportation, and meal options, which residents can opt for as desired. This flexibility allows individuals to customize their experience and adapt to changing needs.

Cons of Independent Senior Living Communities:

1. Cost: Independent senior living communities often come with a price tag. Monthly fees can vary significantly depending on the location, amenities, and services provided. While some seniors may have the financial means to afford these communities, it is crucial to consider the long-term financial implications and ensure that the costs align with their budget.
2. Loss of Familiar Surroundings: Moving into a senior living community means leaving behind a familiar home and neighborhood. For some individuals, this transition can be emotionally challenging. It is essential to consider the potential emotional impact and help seniors cope with the change by involving them in the decision-making process and supporting their adjustment to the new environment.
3. Lack of Personalized Care: Although independent living communities offer various services, they may not provide the level of care found in assisted living or nursing homes. While residents can often access additional support on a fee-for-service basis, those with complex medical needs may require a higher level of care that isn’t readily available in these communities. When selecting an independent living community be on the lookout for communities who offer both independent living and assisted living within the same community. This allows residents to move from one level to another instead of moving yet again. An even better option is to look for communities that allow you to stay in your apartment while moving from independent to assisted living services. 
4. Potential Lack of Privacy: Living in a community setting means sharing common areas and interacting with neighbors regularly. While this promotes socialization, some individuals may find the lack of privacy challenging. Seniors who prefer solitude or have specific privacy concerns should carefully consider their comfort level in this type of living arrangement.
5. Transition Challenges: Moving to a new living environment can be physically and emotionally demanding, especially for seniors who have lived in the same home for many years. Adjusting to the community, building new relationships, and adapting to the routines and policies can take time and effort. It’s important to support and assist seniors during the transition to ensure a smooth adjustment.

Independent senior living communities offer a wealth of advantages, such as maintenance-free living, vibrant social opportunities, convenient amenities, and a safe environment. However, it’s crucial to consider potential downsides, including the financial costs, the loss of familiar surroundings, and the need for assisted living care down the road. By weighing the pros and cons, seniors and their families can make informed decisions about whether independent senior living communities are the right fit for their lifestyle and future needs.

 June 23, 2023

Introduction: When considering long-term care options for yourself or a loved one, it’s crucial to have a clear understanding of the different types of care facilities available. Two terms that often cause confusion are “skilled nursing” and “nursing home.” While both offer care services for individuals with various medical needs, they are distinct in terms of their level of care and the specific services they provide. In this blog post, we’ll explore the key differences between skilled nursing and nursing homes to help you make informed decisions when it comes to long-term care.

1. Definition and Purpose:Skilled Nursing Facility: Skilled nursing facility refers to a specialized facility that provides comprehensive medical care and rehabilitation services to individuals recovering from illness, injury, or surgery. It offers short-term care and therapies designed to help patients regain independence and transition back to their homes or to a lower level of care.Nursing Home: A nursing home, also known as a long-term care facility, is designed for individuals who require ongoing assistance and support with daily activities, personal care, and medical needs. Nursing homes cater to individuals with chronic illnesses, disabilities, or cognitive impairments, providing 24/7 care and supervision.
2. Level of Care:Skilled Nursing: Skilled nursing facilities provide a higher level of medical care compared to nursing homes. They have a team of healthcare professionals, including registered nurses, physical therapists, occupational therapists, and speech-language pathologists, who work collaboratively to develop personalized care plans for each resident. Skilled nursing facilty focuses on intensive medical management, rehabilitation, and short-term recovery.Nursing Home: Nursing homes, on the other hand, primarily focus on custodial care, ensuring the safety, comfort, and well-being of their residents. While they may have nursing staff available, the level of medical care provided is generally lower than that of skilled nursing facilities. Nursing homes emphasize assistance with activities of daily living (ADLs), such as bathing, dressing, eating, and medication management.
3. Duration of Stay:Skilled Nursing: The duration of stay in a skilled nursing facility is typically temporary and based on individual recovery needs. Patients may be admitted for a few weeks to several months, depending on their progress. Skilled nursing facilities act as a transitional care setting before individuals can return home or move to a lower level of care, such as an assisted living facility.Nursing Home: Nursing homes are intended for long-term residency, accommodating individuals who require ongoing assistance and supervision. Residents often have chronic conditions or disabilities that necessitate continuous care and support. Unlike skilled nursing, nursing home care is not focused on short-term recovery but rather on maintaining a comfortable and safe living environment for individuals with chronic or progressive health conditions.
4. Payment and Eligibility:Skilled Nursing Facility: Medicare may cover a portion of skilled nursing services for eligible individuals following a hospital stay. Medicaid and private insurance may also provide coverage based on specific criteria. Skilled nursing facilities typically have stricter admission requirements, and individuals must meet specific medical and rehabilitative needs.Nursing Home: Nursing home care can be funded through private pay, long-term care insurance, Medicaid (for those who qualify), or a combination of these sources. Nursing homes often have more relaxed admission criteria, accepting individuals who require assistance with daily activities and have ongoing healthcare needs.

Conclusion: While both skilled nursing and nursing homes provide care for individuals with medical needs, understanding their differences is crucial when making long-term care decisions. Skilled nursing facilities focus on short-term rehabilitation and recovery, whereas nursing homes offer long-term custodial care and support. By considering factors such as the level of care required, duration of stay, and payment options, you can make an informed choice that best meets your or your loved one.